Marty would like disability insurance to protect his income in case he is unable to work. Marty is the sole income earner for his family and while he has short term coverage through work, he does not currently have any long term disability insurance. Marty meets with his insurance agent Jeb who recommends a policy with a monthly benefit amount equal to 60% of his current gross income, a 3 year benefit period, and a 60 day waiting period.. Marty feels that the coverage is fair, however he is not sure that he can afford the premium amount. Given Marty's desire for a more affordable premium, which of the following four policies will be the BEST policy to meet Marty's needs and budget?

a) A policy with a monthly benefit of 50% of income, a 3 year benefit period, and a 60 day waiting period.
b) A policy with a monthly benefit of 50% of income, a 2 year benefit period, and a 60 day waiting period.
c) A policy with a monthly benefit of 60% of income, a 3 year benefit period, and a 90 day waiting period.
d) A policy with a monthly benefit of 60% of income, a 2 year benefit period, and a 60 day waiting period.